How does PCD auto insurance claim work?

Do you want to know what to do in the event of a PCD auto insurance claim, and how it works? Then read the article carefully and be prepared in case of an accident, theft or other insured situation.

When taking out insurance, many questions arise, especially when it comes to compensation for clients with disabilities.

For example: how does a PCD auto insurance claim work?

Before answering this question, it is important to highlight one point.

There are many insurance companies available to hire this service on the market.

So, it's a good idea to pay attention to understand how the coverage works and how the insurer can help you in the event of a claim. See below.

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Who is considered a PCD?

We often make the mistake of thinking that a person with a disability is only someone who cannot see or who uses a wheelchair.

In fact, people with problems such as myasthenia (nerve disorder), for example, are also considered PCD.

Some limitations that temporarily affect the driver's mobility, such as a hernia or breast surgery, also fall into this category.

It's worth researching to find out if you're eligible.

When taking out insurance, the individual with a disability is not always the insured.

Instead, the legal driver of the vehicle is allowed to purchase the protection.

In other words, a person with a first-degree relationship with the PCD and who drives the vehicle for the benefit of the former.

When taking out insurance, remember to ask the insurer any questions you may have about this aspect.

This way, you will be sure of the documents you need to take out auto insurance for people with disabilities.

What are the discounts and taxes?

According to Brazilian law, people with disabilities are exempt from taxes when purchasing a car.

This ensures that you purchase the vehicle at a much more affordable price.

For this same reason, the costs of car insurance for people with disabilities also change.

Insurance costs vary depending on the profile of the insured and the car.

Companies often consider a PCD vehicle to be less “risky”.

After all, these drivers, or their legal drivers, end up being more cautious in traffic.

As a result, the price of insurance for this audience may be lower.

It is worth remembering, however, that several factors affect the cost of protection.

Therefore, it is essential to contact the insurance company and request a quote.

Only then will you be sure of the amounts you will need to pay.

How does PCD auto insurance claim work?

Just like with “regular” insurance, a PCD auto insurance claim can occur in two ways: partial or full.

First: if an accident occurs and the damage does not reach 75% of the car's value, the loss will be partial.

In this case, the repair will be covered by insurance.

For the repair of a partial loss, the insured and the insurer share the costs.

To do this, the deductible is paid by the insured to the workshop. The insurer then pays the remaining amount.

The insurance deductible is fixed or a percentage, and is determined in the policy.

For example: car repairs will cost R$5,000, and your deductible is R$1,000.

This means that you, the insured, will need to pay R$1,000 to the workshop.

The remaining R$4,000 will be the responsibility of the insurance company.

In other words, in the case of partial loss claims, there is no change from PCD insurance to “common” insurance.

Coverage is the same for vehicles exempt from IPI (Tax on Industrialized Products) and ICMS (Tax on Operations related to the Circulation of Goods and Provision of Services) and for cars without this exemption.

What if the claim is for full compensation?

To be considered a full compensation claim, one of the following cases must occur:

• Theft or robbery without the car being recovered;
• Total loss, that is, damages that exceed 75% of the value of the car as stated in the Fipe table;
• Fire.

When these types of accidents occur, the release of compensation payment only occurs after the car has been transferred to the contracted insurance company.

The point is that, if the vehicle has tax exemption (IPI and ICMS) for people with disabilities (PCD), some rules need to be followed.

It is necessary to start by reporting to the Federal Revenue Service or the Treasury Department.

Especially since a vehicle purchased with exemption cannot be passed on to another owner before two years.

The IRS needs to understand that the transfer of the car is not being made due to a sale, but rather due to a total loss.

Only after this will the transfer be authorized.

The rules for this transfer basically talk about IPI reductions.

It is worth noting that, despite the total loss, the car will continue to exist.

No cancellation will be carried out at DETRAN (Department of Traffic) before the car is transferred to the insurance company.

Afterwards, if desired, the company can carry out this cancellation.

As you can see, there is only a difference in the PCD auto insurance claim if the compensation is full.

You need to consult an insurance company and DETRAN to find out if you fit into the PCD category.

How to activate car insurance?

As soon as an accident occurs, it is important to inform the insurance company about what happened.

The user must provide as much information as possible to the company.

In the event of a collision, for example, it is important to have the details of the other people involved, the time of the accident and the police report on hand.

As soon as the insurer is activated, it informs the individual of the steps to take to receive compensation.

Normally, you just need to submit some documents and wait for the car transfer process — or, in the case of a partial loss, contact and pay the garage.

Now that you know how PCD auto insurance claims work, how about getting a quote and taking advantage of the discount?

Do your research, as this will ensure that you purchase the best protection at the best price.